|
现在买房一点也不划算,看完这两个视频你就知道
视频链接:http://buyorrentahouse.blogspot.com/
现在华人社会上流行着这样一种观点:许多人都认为,买房要比租房划算,因为交利息和交房租相比,交房租就是白白给房东交钱,而给银行交利息自己心甘情愿,因为不管怎麽说,房子是自已的,是在花钱买属於自己的东西。但是这 有一个错觉,看着一张张的钞票给了房东,自已心痛的要命,可是给银行交高额的利息时,自己却一点也没有感觉,就像买东西时用现钞感觉心痛,而用贷记卡涮卡就像不是在花自己钱一样。
我并不是鼓励大家不贷款只攒钱,毕竟要结婚,要养父母,自己的房子大而且住的舒服。我是想劝导大家在没有必要的情况下,尽量多攒些钱少贷些款,衡量一下自己的实际情况和要求,不要随潮流给自己背上一个大包袱。
《纽约时报》也发表了一篇相关的文章
" Real estate agents across the country are aggressively making the case that now is a good time to buy a house. Mortgage rates are near record lows and will probably rise in coming years. Home prices may not be done falling, but they probably don’t have much further to go in most places either. Rents, on the other hand, seem set to increase, thanks to low vacancy rates.
“Renters beware,” warned a newsletter that I recently received from a real estate agents’ group.
Individually, each of these points is unobjectionable. But it’s important to remember the source. Real estate agents, like mortgage brokers and home builders, have a big financial stake in persuading people to buy homes. That’s why many agents are always pushing home buying, whatever the rationale of the moment happens to be.
The truth is that you can make just as strong a case in many places for renting. For starters, neither mortgage rates nor rents are likely to rise rapidly. Even more important, house prices, relative to rents, remain higher than their long-term average, especially in much of California, the Pacific Northwest and the New York region. In these places, among others, renting is often cheaper than buying — still. "
Visit the link below to view the whole article!
Rent or Buy, a Matter of Lifestyle
http://www.nytimes.com/2011/05/1 ... leonhardt.html?_r=0 |
|